The China Banking Regulatory Commission (CBRC) published the previously issued Notice on Further Regulating Credit Card Business on its website. The Notice clearly stipulates that without the authorization of the cardholder, the bank shall not deduct any fees before the credit card is activated. At the same time, banks are not allowed to issue credit cards (except supplementary cards) to students under the age of 18. Unless the cardholder authorizes the banking financial institution to deduct the fee in writing, telephone recording by the customer service center or electronic signature. ?

Whether a credit card is charged or not can be divided into the following situations: If you are a new card, it is just an ordinary credit card, and the regulations are implemented, and no annual fee will be charged if it is not opened. If you are a new card, but have a special card type (such as car card, platinum credit card, diamond card, etc. ), because the bank has clearly stated in the application form that the annual fee will not be reduced, you will accept it if you sign it, regardless of whether it is opened or not. (In line with the cardholder's written authorization to deduct fees from banking financial institutions) If a new card is renewed (that is, the card expires), it is a continuation of the contract and the annual fee policy of the old card will be followed. You won't charge an annual fee because you don't activate it, that is, you will still charge if you don't meet the conditions for the bank to reduce the annual fee.

Then I would like to remind you not to take policy things out of context. Just look at the first part, many people don't look at the following supplement, "unless the cardholder authorizes the banking financial institution to deduct the fee in writing, telephone recording at the customer service center or electronic signature." ? I suggest you call customer service as soon as possible.